Quote from @Brittany Minocchi: I'm a bit farther north, but I've helped a couple of people with loans in that area - the properties seem to be working out well for them!  

(Insurance, Loans, Zoning, STR, ADU's, ??

I guess I dont understand what you asking.are you asking can a buyer cash out your equity and just take over your seller financed loan.

What would be considered the easiest program for small hard money lenders to use to track loans and history and sending out 1098 's?

You have to do some more research.Are you saying 200k in cash so you could spread that out among multiple downpayments or 200k via a loan?

Depending on the loan amount for the new property, roughly a little over half of the gain could be deferred through the exchange.Without a 1031, they’ll face taxes on the entire gain, including federal capital gains tax (likely 15% based on their income), California state tax, and depreciation recapture, potentially totaling $130-150K.

Here’s the bottom line; unless the deal is VERY large, or the sponsor is going to syndicate a large number of deals, the investor will make more money purchasing the property theirselves with a option low to moderate interest rate loan.  

what if the seller has existing loans and liens?

The problem is that the new lender will not allow me to quit claim the property back to my LLC now that the loan is done.So I have to rely on insurance only which is terrifying to me.

I took a small private loan and bought my first home.